1990 Porsche 911 Insurance Quotes

Looking for the cheapest insurance coverage rates for your Porsche 911? Sick and tired of scraping the payment together to insure your Porsche every month? You are no different than many other consumers.

With so many options when it comes to insurance coverage, it can be impossible to find the cheapest insurance company.

This article will let you in on how to get online quotes and some money-saving tips. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this strategy. Although drivers must comprehend how companies price insurance differently and apply this information to your search.

The method we recommend to compare insurance rates in your area is to take advantage of the fact all the major auto insurance companies pay for the opportunity to compare their rates. The only thing you need to do is give them rating details including your general credit rating, your job, if you require a SR-22, and whether the vehicles are used for commuting. Your rating data gets sent immediately to all major companies and they respond with quotes within a short period of time.

The car insurance bait and switch

Allstate and Progressive continually stream ads in print and on television. All the companies make the same claim that you can save after switching your coverage to them. How does each company make the same claim? It’s all in the numbers.

Different companies can use profiling for the type of customer that is profitable for them. For example, a desirable insured might be a mature driver, has no tickets, and drives less than 10,000 miles a year. A customer who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Potential insureds who are not a match for these standards will be charged a higher premium which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can confidently advertise the way they do.

That is why it is so important to get a wide range of price quotes. It is impossible to predict the company that will give you the biggest savings on Porsche 911 insurance.

Factors that might impact rates for a Porsche 911

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for insurance. Knowing what determines base rates helps enable you to make changes that can help you get big savings.

The list below includes some of the items that factor into your rates.

  • Big city or small town – Choosing to live in less populated areas has it’s advantages when buying insurance. Drivers who live in large cities tend to have congested traffic and longer commutes to work. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims.
  • Lower rates come with age – Older drivers are more cautious drivers, file fewer claims and are safer drivers. Youthful drivers are statistically proven to get distracted easily behind the wheel and because of this, their insurance rates are much higher.
  • Too many insurance claims drive up costs – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Companies award better rates to insureds who do not file claims often. Car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Don’t buy coverages you don’t need – There are quite a few additional coverages you can purchase on your insurance policy. Insurance for rental car reimbursement, better glass coverage and membership fees are examples of these. These may sound like a good investment initially, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Protect your assets with liability insurance – The liability section of your policy will protect you in the event that you are found liable for causing damage or personal injury in an accident. It provides legal defense coverage starting from day one. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Theft deterrents lower rates – Choosing a vehicle with an alarm system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
  • Do you have a high stress job? – Did you know your job can affect your rates? Jobs such as judges, social workers and stock brokers tend to pay the highest rates in part from high stress and lots of time spent at work. On the other hand, professions such as scientists, students and performers have the lowest average rates on 911 insurance.
  • Where do you drive? – Driving more miles in a year’s time the higher your rate. The majority of insurers price each vehicle’s coverage based upon how you use the vehicle. Vehicles not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Ask your agent if your insurance coverage properly reflects the proper vehicle usage, because it can save money. If your policy improperly rates your 911 can result in significantly higher rates.

Verify you’re getting all your discounts

The price of auto insurance can be rather high, but there are discounts available to cut the cost considerably. Certain discounts will be triggered automatically at the time of purchase, but a few must be specially asked for in order for you to get them.

  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on 911 insurance with certain companies.
  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Safe Drivers – Insureds without accidents can pay as much as 50% less on 911 insurance than drivers with accident claims.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Distant Student – Children who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Sign Online – Some insurance companies may give you up to $50 just for signing your application online.

It’s important to understand that most credits do not apply the the whole policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will reduce your premiums.

Car insurance companies that may have these discounts include:

Double check with each company what discounts are available to you. Some discounts might not apply in every state.

When should I talk to an agent?

When buying the best insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can aid in determining if your situation might need an agent’s assistance.

  • How much underlying liability do I need for an umbrella policy?
  • Do I need to file an SR-22 for a DUI in my state?
  • Why do I only qualify for high-risk insurance?
  • Do I need higher collision deductibles?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does insurance cover tools stolen from my truck?
  • When does my teenage driver need to be added to my policy?
  • What are the financial responsibility laws in my state?
  • Do I pay less if my vehicle is kept in my garage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Car insurance coverage considerations

Knowing the specifics of your car insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages available from car insurance companies.

Coverage for liability

This coverage provides protection from damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as court costs, bail bonds, pain and suffering and legal defense fees. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Porsche 911.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision insurance will pay to fix damage to your 911 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sideswiping another vehicle, crashing into a building, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills like EMT expenses, pain medications, rehabilitation expenses, surgery and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like a tree branch falling on your vehicle, hail damage, damage from flooding and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Have the Midas touch

We’ve covered a lot of tips how to compare 1990 Porsche 911 insurance prices online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even discover the lowest premiums are with a small mutual company. Regional companies often have lower prices on specific markets as compared to the big name companies such as GEICO and State Farm.

Discount insurance is possible from both online companies and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some auto insurance companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

Much more information about auto insurance is located at these links: